Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$123,770Cash toward the purchase price.
Closing costs + prepaids$11,095Not just lender fees.
Before credits & paid funds$134,865The complete starting cash picture.
Estimated remaining funds due at closing
$134,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,770.02
Your down payment$123,770.02
Closing costs + prepaids$11,095.39
Total buyer cash needed$134,865.41
Remaining funds due$134,865.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,076.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$551.50
Prepaid interest, first (30 days)$859.74
Fees + prepaids$11,095.39
Your down payment is the seller’s equity. You take over the $215,230 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $134,865.41 is due at closing. Uses and sources reconcile at $350,095.39 each. Not a Closing Disclosure.